USDA Vs. FHA your options comparison in Hot-Springs-Village, Saline County, AR

In 2025, the USDA loan limit in Hot-Springs-Village, Saline county, AR, is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and figure out the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Requirements in Hot-Springs-Village, Saline, AR

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Hot-Springs-Village, AR

The mission of Lendersa® is to seamlessly secure the optimal USDA or FHA loans with speed and ease. Select from three introductory paths that facilitate a match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in AR?

The USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that necessitate a 3.5% minimum down payment, USDA mortgages require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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